# Sem vs Plan Personal Budget

The clearest difference is in-app purchases: Sem at none against Plan Personal Budget's 3. Sem also leads on iOS requirement (12.0 vs 26.0). Plan Personal Budget's advantage is update cadence (monthly vs every 4 months). On price, ads and device support there is nothing between them.

Both are free to download. Plan Personal Budget sells 3 in-app purchases, starting at $0.99 per month. Sem asks for nothing beyond the download.

Sem ships an update every 4 months, Plan Personal Budget monthly. The most recent releases landed on November 3, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Sem | Plan Personal Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/sem-budgeting/id6455884315/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free | — |
| Size | 53 MB | 2 MB |
| Requires iOS | **12.0** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Mark Mendoza](https://appshunter.io/developer/1700185707) | [Justyna Kowalewska-Kieglerska](https://appshunter.io/developer/1886185351) |

## What reviewers say

### Sem

[App page](https://appshunter.io/ios/app/sem-budgeting/id6455884315)

Easily manage your expenses, categorize spending, and track savings with this intuitive budgeting tool. Receive timely reminders for upcoming bills and generate detailed monthly financial statements to understand your spending habits.

**Highlights:** Add and manage expenses, Categorize spending, Monthly budget overviews, Push notifications for due dates, Generate monthly statements, Light and Dark mode

**Features:** macOS Compatibility

**In-app purchases:** none


### Plan Personal Budget

[App page](https://appshunter.io/ios/app/plan-personal-budget/id6760777331)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $0.99 | per month |
| Pro Yearly | $5.99 | per year |
| Pro LifeTime | $14.99 | one-time |


## Frequently asked questions

### Is Sem free?

Sem is free to download, with no in-app purchases.

### Is Plan Personal Budget free?

Plan Personal Budget is free to download, with in-app purchases available.

### Do Sem or Plan Personal Budget have ads?

Neither Sem nor Plan Personal Budget shows ads.

### Which is updated more often, Sem or Plan Personal Budget?

Sem ships an update every 4 months, and Plan Personal Budget monthly. Most recently, Sem was updated on November 3, 2026 and Plan Personal Budget on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*